pozabankowa
Pozabankowa is a Polish term meaning non-banking. In finance, it is used to describe financial services and products offered by institutions other than traditional banks. The adjective is commonly applied to pożyczka pozabankowa (non-banking loan), kredyt pozabankowy, or pożyczki chwilówki, provided by non-banking financial companies, payday lenders, credit cooperatives, and online lenders.
These products are typically marketed as faster and more accessible than bank loans, with simplified eligibility
Regulation and protection: In Poland, non-banking lending falls under general financial market law, including the act
In practice, pozabankowa loans complement bank lending by offering rapid access to funds but also carry higher